The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$47,081
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,545
−HK$1,488/mo
Today · 4.125%
HK$50,033
baseline
▲ 0.50% · 4.625%
HK$53,077
+HK$3,044/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,066/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,377
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,781
−HK$1,426/mo
Today · 4.125%
HK$55,207
baseline
▲ 0.50% · 4.625%
HK$58,117
+HK$2,910/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,414/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,497
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,254
−HK$1,786/mo
Today · 4.125%
HK$60,040
baseline
▲ 0.50% · 4.625%
HK$63,693
+HK$3,653/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,080/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,852
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,538
−HK$1,710/mo
Today · 4.125%
HK$66,248
baseline
▲ 0.50% · 4.625%
HK$69,740
+HK$3,492/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,496/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,913
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,963
−HK$2,083/mo
Today · 4.125%
HK$70,046
baseline
▲ 0.50% · 4.625%
HK$74,308
+HK$4,262/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,092/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,327
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,294
−HK$1,995/mo
Today · 4.125%
HK$77,289
baseline
▲ 0.50% · 4.625%
HK$81,363
+HK$4,074/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,578/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,745
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,381
−HK$2,678/mo
Today · 4.125%
HK$90,059
baseline
▲ 0.50% · 4.625%
HK$95,539
+HK$5,480/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$180,118/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,278
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,807
−HK$2,565/mo
Today · 4.125%
HK$99,372
baseline
▲ 0.50% · 4.625%
HK$104,610
+HK$5,238/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$198,744/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,710 · Scale 2, in force from 26 Feb 2026)